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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $568,861 | $185,905+206.0% | $170,057+234.5% | $139,487+307.8% |
| Participation rate | 60.0% | 87.8%-27.8pp | 87.0%-27.0pp | 80.3%-20.3pp |
| Annual return | 16.53% | 60.56%-44.0pp | 53.42%-36.9pp | 373.84%-357.3pp |
| Employer contribution / active EE | $3,607 | $7,597-52.5% | $6,790-46.9% | $4,755-24.1% |
| Participant deferral / active EE | $8,354 | $11,627-28.1% | $10,411-19.8% | $6,713+24.5% |
| Admin fee / account holder | $9,918 | $15,397-35.6% | $12,826-22.7% | $11,407-13.1% |